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About Us

We Are Lone Star Ag Credit

Lone Star Ag Credit is a full-service cooperative lender headquartered in Fort Worth, Texas, that specializes in financing rural land and agricultural operations. We have 16 office locations serving 48 counties in Texas, $1.7 billion in assets, and are a member of the nationwide Farm Credit System. Our loan specialists understand the needs of farmers, ranchers, agribusinesses, and rural homeowners because we live and work in the areas where we serve. We can also help those in urban areas who aspire to find their ideal home in the country. Let us find the best financing options for any of your credit needs and help make your dreams come true!

About Lone Star

The Lone Star Difference

  • Long-term repayment plans with terms from 5 to 30 years
  • Adjustable- or fixed-interest-rate plans
  • Monthly, quarterly, semi-annual or annual payment options
  • Multiple re-advance loans that allow paydowns and re-advances without a new loan closing process
  • Customized loan packages to fit special situations, especially to accommodate young, beginning and small farmers

We are your credit source for:

  • Purchasing rural land
  • Farm or ranch operating expenses
  • Refinancing existing debt
  • Buying, refinancing or building a country home
  • Making capital improvements
  • Financing for agribusiness

Lone Star Ag Credit is also a customer-owned cooperative, as a cooperative, most of our borrowers become stockholders and share in our earnings through Lone Star’s Patronage Program. This lowers your effective interest rate and is an added benefit of doing business with us. We are owned by our stockholder borrowers and governed by a local board of directors composed mostly of customers and elected by our stockholders. That means we always have your best interests in mind.

Patronage Dividends

We’re pleased to announce our 2020 patronage distribution to eligible customer-owners this spring.

$22 Million

in patronage distributions on 2020 earnings, one of the largest distributions in Lone Star’s history

$163.5 Million

total distribution returned to borrowers since 2000


reduction of the effective interest rate paid by borrowers in 2020


offices covering 48 counties throughout north and central Texas


We offer various loans to meet your financing needs

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We’re in 16 offices and 48 counties to serve you

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